An advisor manages your investments, and most want a portfolio before they'll talk to you. A coach works on the everyday layer — cash flow, bills, debt, habits — and every dollar stays in your control. Most people need the second thing before the first one ever matters.

No — this is financial coaching for education and planning. I'm not a licensed advisor, attorney, or CPA, and I don't sell financial products. If you need tax, legal, or investment advice, I'll point you to one of my contacts who does that for a living.

We spend 60–75 minutes one-on-one going through your real numbers. We map where the money's actually going, find the leaks, and build your plan around your paydays. You leave with a clear monthly budget, printed take-home tools, and 3 next steps. If you don't — you don't pay.

Almost nothing. If your money flows through your bank account, that's the whole map — just be able to log in on your own device. Anything else you have helps: bills, debt balances, card statements. But no spreadsheet homework, no forms. Showing up is the preparation.

One thing worth saying: you'll always be logged into your own accounts on your own screen. I never need — and will never ask for — your passwords.

Wherever works: a coffee shop, a library meeting room, or Zoom. In person around Las Vegas and online are both fully first-class — half of coaching is the conversation, and the conversation travels fine.

No. I'm based in Las Vegas and meet local clients in person, but sessions run fully online — current clients are as far away as Virginia. Money problems aren't regional.

Never — you only pay at the end, and only if I actually helped. It's a bit of a tagline but I mean it: if you don't leave with a clear plan and 3 next steps, you don't pay.

Then you're my typical client. I've seen the overdrafts, the collections letters, the subscriptions from 2022 still quietly billing. No shame and no lectures isn't a slogan — it's the operating rule, because you can't coach someone who's afraid to show you the real numbers.

Your call — but here's what the pattern says. The plan is the easy part; running it alone is the hard part. That's why most clients book the Reset + Accountability Bundle and keep check-ins going after. One session gives you a plan. The relationship is what changes how your money runs.

Yes — and honestly, it works better that way when money is shared. The Payday Plan is built couple-friendly: both incomes, both paydays, one plan you both understand. One conversation together beats two separate versions of the truth.